Zakat on gold and silver confuses a lot of people — not because the math is hard, but because nobody explains the steps in plain language. This guide walks through the full calculation: checking nisab, adding your assets, subtracting debts, and applying the 2.5% rate. Prefer to skip the manual math? Use our free Zakat calculator — it does all of this automatically.
Step 1: Check if you meet the nisab
Zakat is only due if your net zakatable wealth meets or exceeds the nisab — the minimum threshold — for one full lunar year (hawl).
| Metal | Nisab (weight) |
|---|---|
| Gold | 87.48 grams |
| Silver | 612.36 grams |
To find the cash value, multiply by today's price per gram. Gold and silver prices change daily, so always use current rates. If you think in tolas, our tola to gram converter handles the conversion (1 tola = 11.6638 grams).
Step 2: Add up your zakatable assets
Include the market value of:
• Gold and silver (jewellery, coins, bars)
• Cash in hand and bank balances
• Business stock and investments
• Money owed to you that you expect to receive
Use the current market value of gold and silver, not what you originally paid.
Step 3: Subtract your immediate debts
Deduct loans and debts you must pay in the near term — for example, an upcoming loan instalment or money you owe. Long-term debts are treated differently by different scholars; deduct at least what is immediately due.
Step 4: Apply 2.5%
The formula is simple:
Zakat = (Total assets − Debts) × 2.5%
This is only payable if the result of Step 3 meets or exceeds the nisab from Step 1.
Worked example
| Item | Value |
|---|---|
| Gold jewellery (current market value) | $4,000 |
| Cash savings | $2,500 |
| Total assets | $6,500 |
| Immediate debts | − $500 |
| Net zakatable wealth | $6,000 |
| Zakat (2.5%) | $150 |
Because $6,000 exceeds the nisab, Zakat of $150 is due. Try your own numbers in the free calculator.
Common questions
What is the nisab for gold and silver?
The nisab is 87.48 grams of gold or 612.36 grams of silver. Its cash value changes with market prices, so check current rates before calculating.
Do I pay Zakat on gold jewellery I wear?
Scholars differ on personal-use jewellery. Some schools include it, others exempt it. When in doubt, consult a qualified scholar about your situation.
Which nisab should I use if I own gold and cash?
Many scholars recommend the silver nisab for mixed assets because it is lower, which means Zakat reaches more eligible recipients. Our calculator checks both standards automatically.
Note: This guide covers the standard calculation. Complex situations — business partnerships, investments, long-term debt — deserve a qualified scholar's advice. Metal prices used in examples are illustrative; always use current market rates.